This Lending Agreement Template is designed for use in the United Arab Emirates financial sector, providing a standardized framework for documenting loan transactions while ensuring compliance with UAE Federal Laws and regulations. The template is suitable for various lending scenarios, from simple bilateral loans to complex syndicated facilities, and can be adapted for both conventional and Islamic financing structures. It incorporates all necessary provisions required by UAE law, including those mandated by the UAE Civil Code, Commercial Transactions Law, and UAE Central Bank regulations. The document includes comprehensive sections on loan terms, security arrangements, representations and warranties, covenants, and events of default, while allowing for customization based on specific transaction requirements. This template should be reviewed and adapted by legal counsel before use to ensure it meets the specific needs of the transaction and remains compliant with current UAE legislation.
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1. Parties: Identification of the lender and borrower with full legal names and addresses as required by UAE law
2. Background: Context of the loan agreement and relationship between parties
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specific amount being lent and permitted use of funds
5. Interest Rate and Calculation: Interest rate, calculation method, and compliance with UAE Central Bank regulations
6. Repayment Terms: Payment schedule, method of payment, and prepayment provisions
7. Conditions Precedent: Conditions that must be satisfied before the loan is advanced
8. Representations and Warranties: Statements of fact by the borrower about their legal and financial status
9. Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. Security: Details of any collateral or security arrangements
12. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
13. Notices: Process for formal communications between parties
14. Execution: Signature blocks and execution requirements
1. Islamic Finance Provisions: Required when the loan needs to be Sharia-compliant, including specific structures like Murabaha
2. Guarantees: Include when there are third-party guarantors for the loan
3. Insurance: Required when specific insurance coverage is needed for secured assets
4. Assignment and Transfer: Include when the lender wants the right to assign or transfer the loan
5. Multiple Lenders: Required for syndicated loans with multiple lenders
6. Foreign Currency Provisions: Include when the loan is in a currency other than UAE Dirhams
7. Tax Provisions: Required when cross-border elements exist or specific tax considerations apply
8. Change of Control: Include for corporate borrowers where ownership changes may affect the loan
1. Repayment Schedule: Detailed breakdown of payment dates and amounts
2. Security Details: Comprehensive description of all security assets and registration details
3. Conditions Precedent Documents: List of required documents and conditions to be satisfied
4. Form of Drawdown Notice: Template for borrower to request loan disbursement
5. Financial Covenants: Detailed financial ratios and calculations
6. Permitted Security Interests: List of pre-approved security interests that may exist
7. Form of Compliance Certificate: Template for periodic compliance certification
8. Fee Schedule: Breakdown of all applicable fees and charges
Relevant legal definitions
Advance
Agreement
Applicable Law
Availability Period
Bank Account
Banking Day
Borrower
Business Day
Calculation Period
Collateral
Compliance Certificate
Conditions Precedent
Default
Default Rate
Directive
Drawdown Date
Drawdown Notice
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Outstanding Amount
Payment Date
Permitted Security Interest
Potential Default
Principal Amount
Relevant Authority
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Security Interest
Secured Assets
Tax
UAE Central Bank
UAE Dirham
Agreement
Applicable Law
Availability Period
Bank Account
Banking Day
Borrower
Business Day
Calculation Period
Collateral
Compliance Certificate
Conditions Precedent
Default
Default Rate
Directive
Drawdown Date
Drawdown Notice
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Outstanding Amount
Payment Date
Permitted Security Interest
Potential Default
Principal Amount
Relevant Authority
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Security Interest
Secured Assets
Tax
UAE Central Bank
UAE Dirham
Clauses
Interpretation
Facility Terms
Purpose
Availability
Interest
Repayment
Prepayment
Conditions Precedent
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Security
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Counterparts
Severability
Assignment
Third Party Rights
Governing Law
Enforcement
Jurisdiction
Islamic Finance Provisions
Currency
Indemnities
Costs and Expenses
Force Majeure
Default Interest
Security Registration
Acceleration Rights
Dispute Resolution
Facility Terms
Purpose
Availability
Interest
Repayment
Prepayment
Conditions Precedent
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Security
Events of Default
Changes to Parties
Payment Mechanics
Set-off
Notices
Calculations
Amendments and Waivers
Confidentiality
Counterparts
Severability
Assignment
Third Party Rights
Governing Law
Enforcement
Jurisdiction
Islamic Finance Provisions
Currency
Indemnities
Costs and Expenses
Force Majeure
Default Interest
Security Registration
Acceleration Rights
Dispute Resolution
Relevant Industries
Banking and Financial Services
Real Estate and Construction
Manufacturing and Industrial
Retail and Consumer Goods
Technology and Communications
Healthcare and Pharmaceuticals
Energy and Utilities
Transportation and Logistics
Hospitality and Tourism
Professional Services
Education
Agriculture and Food Production
Relevant Teams
Legal
Finance
Compliance
Risk Management
Corporate Banking
Islamic Banking
Credit
Treasury
Operations
Commercial Banking
Transaction Banking
Documentation
Regulatory Affairs
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Risk Manager
Relationship Manager
Corporate Banking Officer
Treasury Manager
Islamic Banking Specialist
Commercial Banking Manager
Risk Assessment Officer
Legal Director
Banking Operations Manager
Credit Analysis Manager
Transaction Banking Officer
Loan Officer
Corporate Finance Manager
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